Regions Bank’s website blocks automated reading, so this page lists no Regions CD rate, minimum or penalty. An earlier version showed rate ranges that could not be confirmed, and we removed them. Get the APY for your term and balance from Regions before you open a CD.
What to ask Regions
- The APY and term options for the amount you want to deposit, and the date the rate was set
- Whether the rate is a promotional rate and whether it requires new money
- The minimum opening deposit
- The early withdrawal penalty for your term and how it is calculated
- What the CD renews into at maturity, and how long the grace period is
Rates to compare it with
The FDIC’s national average 12-month CD rate was 1.76% in its update dated October 19, 2026. Online banks list higher rates for some terms:
| Bank | 12-month APY | Min. Deposit | Rate as of |
|---|---|---|---|
| Marcus by Goldman Sachs | 4.40% | $500 | October 15, 2026 |
| Popular Direct | 4.50% | $10,000 | October 5, 2026 |
On a $10,000 deposit held for 12 months, 1.76% APY earns about $176 and 4.40% APY earns about $440. These are simple APY arithmetic, not a Regions quote. Compare Regions’ APY for your term against both before you commit.
Who might consider a Regions CD
May suit:
- Existing Regions customers who want to keep savings at one bank
- Savers who prefer to open and manage a CD in person at a branch
Consider alternatives if:
- Regions’ quoted APY for your term is below the national average or the online-bank rates above
- You want to see rates online before you call or visit
Related Articles
More: Regions Bank Guide
The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy